PayPal Holdings Inc (PYPL)vsWorld Acceptance Corporation (WRLD)
PYPL
PayPal Holdings Inc
$44.01
-0.41%
FINANCIAL SERVICES · Cap: $41.18B
WRLD
World Acceptance Corporation
$130.85
-1.83%
FINANCIAL SERVICES · Cap: $659.23M
Smart Verdict
WallStSmart Research — data-driven comparison
PayPal Holdings Inc generates 5685% more annual revenue ($33.17B vs $573.38M). PYPL leads profitability with a 15.8% profit margin vs 7.5%. WRLD appears more attractively valued with a PEG of 0.70. PYPL earns a higher WallStSmart Score of 78/100 (B+).
PYPL
Strong Buy78
out of 100
Grade: B+
WRLD
Buy54
out of 100
Grade: C-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+82.6%
Fair Value
$253.19
Current Price
$44.01
$209.18 discount
Margin of Safety
-141.2%
Fair Value
$52.84
Current Price
$130.85
$78.01 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Every $100 of equity generates 26 in profit
Growing faster than its price suggests
Reasonable price relative to book value
Earnings expanding 39.4% YoY
Generating 2.2B in free cash flow
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
3.7% revenue growth
Distress zone — elevated risk
1.9% revenue growth
Smaller company, higher risk/reward
7.5% margin — thin
Earnings declined 86.0%
Comparative Analysis Report
WallStSmart ResearchBull Case : PYPL
The strongest argument for PYPL centers on P/E Ratio, Return on Equity, PEG Ratio. Profitability is solid with margins at 15.8% and operating margin at 17.5%. PEG of 0.70 suggests the stock is reasonably priced for its growth.
Bull Case : WRLD
The strongest argument for WRLD centers on PEG Ratio, P/E Ratio, Price/Book. PEG of 0.70 suggests the stock is reasonably priced for its growth.
Bear Case : PYPL
The primary concerns for PYPL are Revenue Growth, Altman Z-Score.
Bear Case : WRLD
The primary concerns for WRLD are Revenue Growth, Market Cap, Profit Margin. Debt-to-equity of 2.35 is elevated, increasing financial risk.
Key Dynamics to Monitor
PYPL carries more volatility with a beta of 1.46 — expect wider price swings.
PYPL is growing revenue faster at 3.7% — sustainability is the question.
PYPL generates stronger free cash flow (2.2B), providing more financial flexibility.
Monitor CREDIT SERVICES industry trends, competitive dynamics, and regulatory changes.
Bottom Line
PYPL scores higher overall (78/100 vs 54/100), backed by strong 15.8% margins. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
PayPal Holdings Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
PayPal Holdings, Inc. is an American company operating an online payments system in the majority of countries that support online money transfers, and serves as an electronic alternative to traditional paper methods like checks and money orders. The company operates as a payment processor for online vendors, auction sites, and many other commercial users, for which it charges a fee.
Visit Website →World Acceptance Corporation
FINANCIAL SERVICES · CREDIT SERVICES · USA
World Acceptance Corporation is engaged in the small loan consumer finance business. The company is headquartered in Greenville, South Carolina.
Visit Website →Compare with Other CREDIT SERVICES Stocks
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